We are fee-based and independent of any external influence, which means that our advice is conflict-free and provides access to the whole of the relevant universe of financial solutions, enabling us to focus on what is right for our clients, whether or not this might involve any financial product or investment.

Our process is centred on understanding client needs and objectives in detail, and devising a strategy to meet them individually.  We seek efficiencies for our clients by making use of the allowances and reliefs available to UK taxpayers.

Typically, we would manage risk through a process of diversification by allocating portfolios between different asset classes — principally UK and global equities, bonds, property, commodities, and cash.

We have additional expertise and experience with alternative and complementary investments, such as Venture Capital Trusts and Enterprise Investment Schemes, and Business Relief.

We have a defined review process that formalises a service standard and a timetable for contact with our clients.

We report on progress to date, and provide an ongoing service to ensure that a solution continues to meet the needs of a client over time.

When appropriate, particularly in relation to larger portfolios, we may work with external discretionary portfolio managers who satisfy our rigorous selection criteria.